Frequently Asked Questions

A Public Adjuster, also known as a Public Insurance Adjuster, helps homeowners and businesses recover from disasters or damage to their property or business. Public Adjusters are experts in preparing, managing, and negotiating insurance claims, giving policyholders and their representatives the resources they need to be in the best possible position for recovery.

Anyone who holds a property insurance policy, or a policyholder's representative, can hire a Public Adjuster. Homeowners, co-op and condo assocations, property managers, businesses, brokers and attorneys all hire Public Adjusters as a cost-effective way to manage the insurance recovery process.

Public Adjusters, also known as public insurance adjusters or public claims adjusters, are independent insurance professionals that property owners hire to represent their interests in filing a claim with their insurance company. They specialize in evaluating and negotiating insurance claims on behalf of the policyholder, helping to ensure a fair and full restoration after loss or damage.

In a nutshell, Public Adjusters tackle the insurance claims process, so you don’t have to. Many businesses and homeowners have insurance policies, but they are not aware of what the policies require or provide, and they're not experts in the insurance or building practices. If you need to file a claim, Public Adjusters help make sure you are fairly compensated for your loss.

By using a Public Adjuster, a homeowner, business owner, property manager or policyholder's representative can ensure they have an insurance expert guiding them through the recovery process. 

It's best to negotiate claims settlements with an understanding of insurance policies, building practices, and the claims process. Carriers have mechanisms and procedures put in place to save them money throughout the claims process, often at the expense of policyholders. Most states have recognized this problem and in response have licensed insurance experts known as Public Adjusters solely for the purposes of protecting and assisting policyholders when losses occur. 

A Public Adjuster, also known as a Public Insurance Adjuster, helps homeowners and businesses recover from disasters or damage to their property or business. Public Adjusters are experts in preparing, managing, and negotiating insurance claims, giving homeowners and businesses the resources they need to be in the best possible position for recovery.

A public adjuster should review policy and loss details before taking on a claim, so they and their client can make informed decisions about how to proceed with a claim. Public Adjusters manage the process and negotiate with the insurance company to obtain a fair outcome for their client. A good Public Adjusters works to provide an unbiased assessment of the damage and how it should be handled given insurance policy provisions, providing expertise and peace of mind for their clients. 

Most states have enacted licensing for Public Adjusters to provide representation on behalf of the consumer. Though the nomenclature is confusing, both "independent adjusters" and company adjusters are representatives of insurance companies. Only licensed Public Adjusters may work on policyholders' behalf, and not for insurance companies.

Eastern Public is a property claims and risk management firm that knows what it takes to get businesses and homeowners back on their feet after a business income loss or home damage. We move quickly to help address immediate needs, handle all aspects of recovery through insurance claims, and provide consulting services to make sure businesses and homeowners have the right coverage in place.

Most importantly, we help people get through the recovery process while protecting their interests, ensuring they have the resources and compensation they need for recovery. 

Co-op/condominium  boards and property owners are often under-resourced and ill prepared for large disasters. Losses in these types of properties can lead to frustration between parties and result in disputes that can otherwise be avoided with the help of professional Public Adjuster. When a significant property damage occurs in a cooperative or condominium building, public adjusters help by: 

    Identifying Liabilities: Public adjusters thoroughly assess the circumstances surrounding property damage to identify potential liabilities. They analyze insurance policies, contracts, and relevant documentation to determine liability factors and ensure that all responsible parties are held accountable.

    Managing All Affected Parties: Public adjusters act as central points of contact for all parties involved in the claims process, including insurance carriers, inspectors, contractors, lawyers, and others. They coordinate communication, facilitate interactions, and ensure that everyone is working towards a common goal of resolving the claim efficiently and effectively.

    Providing Professional Resources and Referrals: Public adjusters have extensive networks of professional resources, including contractors, engineers, attorneys, and other specialists. They leverage these connections to provide clients with access to high level expertise and services needed to address specific aspects of the claim, such as damage assessment, legal representation, or property restoration.

    Reducing Legal Costs: By effectively managing the claims process and advocating for their clients' interests, public adjusters help minimize the need for costly legal interventions. They work to resolve issues through negotiation and mediation whenever possible, reducing legal expenses and saving time.

    Avoiding Disputes with Insurance Carriers, Owners, and Residents: Public adjusters strive to maintain open lines of communication and foster positive relationships with all parties involved in the claims process. By addressing concerns proactively, providing transparent information, and seeking mutually beneficial solutions, they help prevent disputes from escalating and ensure a smoother claims experience for everyone involved.

    Ensuring the Recovery and Value of Assets: Public adjusters work diligently to ensure that condo or co-op boards and property owners receive fair compensation for their losses. They meticulously document property damage, assess the value of assets, and advocate for appropriate reimbursement to cover repairs, replacements, and other expenses.

    Understanding Claims Processes: Public adjusters possess in-depth knowledge of insurance claims processes, regulations, and industry standards. They guide clients through each step of the claims process, explaining procedures, requirements, and potential outcomes to ensure that they have a clear understanding of what to expect.

    Advocating for Clients: Public adjusters serve as strong advocates for condo or co-op boards and property owners, representing their interests and fighting for fair treatment from insurance carriers and other parties involved in the claims process. They use their expertise, negotiation skills, and industry experience to secure the best possible outcomes for their clients.

    Improving Relationships: By providing professional support, facilitating communication, and achieving favorable outcomes, public adjusters help strengthen relationships between condo or co-op boards, property owners, and other stakeholders involved in the claims process. Their proactive approach fosters trust, cooperation, and mutual respect, leading to enhanced relationships and smoother interactions in the future.

Co-operative/condominium  boards and property owners are often under-resourced and ill prepared for large disasters. Losses in these types of properties can lead to frustration between parties and result in disputes that can otherwise be avoided with the help of professional public adjuster. When a significant property damage occurs in a cooperative or condominium building, public adjusters help by: 

    Identifying Liabilities: Public adjusters thoroughly assess the circumstances surrounding property damage to identify potential liabilities. They analyze insurance policies, contracts, and relevant documentation to determine liability factors and ensure that all responsible parties are held accountable.

    Managing All Affected Parties: Public adjusters act as central points of contact for all parties involved in the claims process, including insurance carriers, inspectors, contractors, lawyers, and others. They coordinate communication, facilitate interactions, and ensure that everyone is working towards a common goal of resolving the claim efficiently and effectively.

    Providing Professional Resources and Referrals: Public adjusters have extensive networks of professional resources, including contractors, engineers, attorneys, and other specialists. They leverage these connections to provide clients with access to high level expertise and services needed to address specific aspects of the claim, such as damage assessment, legal representation, or property restoration.

    Reducing Legal Costs: By effectively managing the claims process and advocating for their clients' interests, public adjusters help minimize the need for costly legal interventions. They work to resolve issues through negotiation and mediation whenever possible, reducing legal expenses and saving time.

    Avoiding Disputes with Insurance Carriers, Owners, and Residents: Public adjusters strive to maintain open lines of communication and foster positive relationships with all parties involved in the claims process. By addressing concerns proactively, providing transparent information, and seeking mutually beneficial solutions, they help prevent disputes from escalating and ensure a smoother claims experience for everyone involved.

    Ensuring the Recovery and Value of Assets: Public adjusters work diligently to ensure that condo or co-op boards and property owners receive fair compensation for their losses. They meticulously document property damage, assess the value of assets, and advocate for appropriate reimbursement to cover repairs, replacements, and other expenses.

    Understanding Claims Processes: Public adjusters possess in-depth knowledge of insurance claims processes, regulations, and industry standards. They guide clients through each step of the claims process, explaining procedures, requirements, and potential outcomes to ensure that they have a clear understanding of what to expect.

    Advocating for Clients: Public adjusters serve as strong advocates for condo or co-op boards and property owners, representing their interests and fighting for fair treatment from insurance carriers and other parties involved in the claims process. They use their expertise, negotiation skills, and industry experience to secure the best possible outcomes for their clients.

    Improving Relationships: By providing professional support, facilitating communication, and achieving favorable outcomes, public adjusters help strengthen relationships between condo or co-op boards, property owners, and other stakeholders involved in the claims process. Their proactive approach fosters trust, cooperation, and mutual respect, leading to enhanced relationships and smoother interactions in the future.